Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$9,049Cash toward the purchase price.
Closing costs + prepaids$20,942Not just lender fees.
Before credits & paid funds$29,991The complete starting cash picture.
Estimated remaining funds due at closing
$29,991No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,049.46
Your down payment$9,049.46
Closing costs + prepaids$20,942.03
Total buyer cash needed$29,991.49
Remaining funds due$29,991.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$6,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,204.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,624.75
Initial HOA (3 months)$690.00
Prepaid interest, first (28 days)$3,456.03
Fees + prepaids$20,942.03
Your down payment is the seller’s equity. You take over the $640,851 balance, so the rest of the $649,900 price is paid at closing. A second mortgage can cover part of it. $29,991.49 is due at closing. Uses and sources reconcile at $670,842.03 each. Not a Closing Disclosure.